Due to the difference in the interest rate and the quarterly compounding, Joshua will have $212.24 more than Josiah. Step-by-step explanation: Giving the following information: Joshua: Initial investment (PV)= $750 Interest rate (i)= 0.0341/4= 0.008525 Number of periods (n)= 18*4= 72 quarters Josiah: Initial investment (PV)= $750 Interest rate (i)= 0.0285 Number of periods (n)= 18 years To calculate the future value of each one, we need to use the following formula: FV= PV*(1 + i)^n Joshua: FV= 750*(1.008525^72) FV= $1,381.98 Josiah: FV= 750*(1.0285^18) FV= $1,169.74 Due to the difference in the interest rate and the quarterly compounding, Joshua will have $212.24 more than Josiah.